Purchase APR
26.49–26.99%
Annual fee
$35
Foreign fee
3%
SecuredTop-25 issuer≤619620–719Other
Carrying $3k for a year ≈ $844.70 incl. $35 fee
← All issuersstlp17-tlp-1q26 ↗ stlp17-tlp-1q26 ↗
First National Bank Of Omaha
4 cardholder agreements · 1.5 MB · 54 surveyed cards
C
Fair Terms · grade C (58/100)
2 contract red flags across 4 filed docs · see how every issuer ranks →
Why this grade
- Starting score100
- Forced arbitration with no opt-out-30
- Class-action waiver-12
- Fair Terms score58 · grade C
See the exact wording behind each below.
Embed this badge on your site ↓
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Contract X-Ray — what's buried in the fine print
2 red flags · 4 filed docsDetected in the CFPB-filed cardholder agreements from First National Bank Of Omaha. Verbatim quotes below — CardSleuth flags the language; this isn't legal advice.
Forced arbitration with no opt-out found — you likely can't take this issuer to court, and there's no way to reject it.
Forced arbitration
You give up your right to sue in court — disputes are pushed into private arbitration.
Show the exact wording ↓Hide wording ↑
“…Proceeding against us, you may not and will not join that proceeding or participate as a member of that class. Arbitration THIS AGREEMENT CONTAINS AN ARBITRATION PROVISION WHICH MAY BE ENFORCED BY THE PARTIES. PLEASE READ THE FOLLOWING Provision (this PARAGRAPHS CAREFULLY. provision ). WITH LIMITED EXCEPTIONS, THIS ARBI…”
Class-action waiver
You can't band together with other cardholders in a class action.
Show the exact wording ↓Hide wording ↑
“…es to your account terms. 6 What you will see on your statement. 16 How we will contact you about your account. 7 Making payments. 17 Arbitration and class action waiver. 8 Interest rates (APRs) and how we calculate them. 18 Other terms. 9 Interest charges. 19 Billing Rights. 10 Other fees. 20 Liability for unauthoriz…”
Checked & clear: Jury-trial waiver · Deferred interest · Change-anytime clause · Penalty APR
Priced card products
Purchase APR
28.49–28.99%
Annual fee
None
Foreign fee
3%
SecuredTop-25 issuer≤619620–719
Carrying $3k for a year ≈ $869.70
Purchase APR
28.49–28.99%
Annual fee
None
Foreign fee
3%
SecuredTop-25 issuer≤619620–719
Carrying $3k for a year ≈ $869.70
Purchase APR
23.99–24.49%
Annual fee
None
Foreign fee
3%
SecuredTop-25 issuer≤619620–719Other
Carrying $3k for a year ≈ $734.70
Purchase APR
30.99%
Annual fee
$30
Foreign fee
3%
SecuredTop-25 issuer≤619620–719Other
Carrying $3k for a year ≈ $959.70 incl. $30 fee
Purchase APR
23.74–24.24%
Annual fee
None
Foreign fee
3%
SecuredTop-25 issuer≤619620–719
Carrying $3k for a year ≈ $727.20
Purchase APR
21.49–28.99%
Annual fee
$99
Foreign fee
3%
Top-25 issuer≤619620–719Other
Carrying $3k for a year ≈ $953.70 incl. $99 fee
Purchase APR
21.49–28.99%
Annual fee
None
Foreign fee
3%
Top-25 issuer≤619620–719Other
Carrying $3k for a year ≈ $719.70
Purchase APR
26.49–26.99%
Annual fee
None
Foreign fee
3%
Top-25 issuer≤619620–719Other
Carrying $3k for a year ≈ $802.20
Purchase APR
26.49–26.99%
Annual fee
None
Foreign fee
3%
Top-25 issuer≤619620–719Other
Carrying $3k for a year ≈ $802.20
Purchase APR
26.49–26.99%
Annual fee
None
Foreign fee
3%
Top-25 issuer≤619620–719Other
Carrying $3k for a year ≈ $809.70
Purchase APR
25.24–30.24%
Annual fee
None
Foreign fee
3%
Top-25 issuer≤619620–719Other
Carrying $3k for a year ≈ $772.20
Purchase APR
25.24–30.24%
Annual fee
None
Foreign fee
3%
Top-25 issuer≤619620–719Other
Carrying $3k for a year ≈ $772.20
Purchase APR
26.24–30.24%
Annual fee
None
Foreign fee
3%
Top-25 issuer≤619620–719Other
Carrying $3k for a year ≈ $839.70
Purchase APR
25.24–29.99%
Annual fee
None
Foreign fee
3%
Top-25 issuer≤619620–719Other
Carrying $3k for a year ≈ $764.70
Purchase APR
25.24–30.24%
Annual fee
None
Foreign fee
3%
Top-25 issuer≤619620–719Other
Carrying $3k for a year ≈ $772.20
Purchase APR
25.24–30.24%
Annual fee
None
Foreign fee
3%
Top-25 issuer≤619620–719Other
Carrying $3k for a year ≈ $764.70
Purchase APR
26.49–26.99%
Annual fee
None
Foreign fee
3%
Top-25 issuer≤619620–719Other
Carrying $3k for a year ≈ $802.20
Purchase APR
26.49–26.99%
Annual fee
None
Foreign fee
3%
Top-25 issuer≤619620–719Other
Carrying $3k for a year ≈ $802.20
Purchase APR
25.24–25.74%
Annual fee
None
Foreign fee
3%
Top-25 issuer≤619620–719Other
Carrying $3k for a year ≈ $772.20
Purchase APR
23.49–28.99%
Annual fee
None
Foreign fee
3%
0% purchases · 6 mo0% transfers · 6 mo
Top-25 issuer≤619620–719Other
Carrying $3k for a year ≈ $719.70
Purchase APR
18.49–28.99%
Annual fee
None
Foreign fee
3%
0% purchases · 6 mo0% transfers · 6 mo
Top-25 issuer≤619620–719
Carrying $3k for a year ≈ $862.20
Purchase APR
23.49–28.99%
Annual fee
None
Foreign fee
3%
0% purchases · 6 mo0% transfers · 6 mo
Top-25 issuer≤619620–719Other
Carrying $3k for a year ≈ $719.70
Purchase APR
18.74–28.99%
Annual fee
None
Foreign fee
3%
0% purchases · 6 mo0% transfers · 6 mo
Top-25 issuer≤619620–719
Carrying $3k for a year ≈ $569.70
Purchase APR
15.49–25.99%
Annual fee
None
Foreign fee
3%
0% purchases · 18 mo0% transfers · 18 mo
Top-25 issuer≤619620–719
Carrying $3k for a year ≈ $772.20
Purchase APR
19.74–28.24%
Annual fee
None
Foreign fee
None
0% purchases · 12 mo0% transfers · 12 mo
Top-25 issuer≤619620–719Other
Carrying $3k for a year ≈ $749.70
Purchase APR
19.74–28.24%
Annual fee
None
Foreign fee
3%
Top-25 issuer≤619620–719Other
Carrying $3k for a year ≈ $757.20
Purchase APR
23.74–24.24%
Annual fee
—
Foreign fee
None
Top-25 issuer≤619620–719Other
Carrying $3k for a year ≈ $727.20
Purchase APR
23.74–24.24%
Annual fee
$35
Foreign fee
None
Top-25 issuer≤619620–719Other
Carrying $3k for a year ≈ $762.20 incl. $35 fee
Purchase APR
26.49–26.99%
Annual fee
None
Foreign fee
3%
0% purchases · 6 mo0% transfers · 6 mo
Top-25 issuer≤619620–719Other
Carrying $3k for a year ≈ $809.70
Purchase APR
23.99–24.24%
Annual fee
None
Foreign fee
None
Top-25 issuer≤619620–719Other
Carrying $3k for a year ≈ $727.20
Purchase APR
30.49–30.99%
Annual fee
None
Foreign fee
3%
Top-25 issuer≤619620–719Other
Carrying $3k for a year ≈ $929.70
Purchase APR
26.74–27.24%
Annual fee
None
Foreign fee
3%
Top-25 issuer≤619620–719Other
Carrying $3k for a year ≈ $817.20
Purchase APR
26.74–27.24%
Annual fee
None
Foreign fee
3%
Top-25 issuer≤619620–719Other
Carrying $3k for a year ≈ $817.20
Purchase APR
30.49–30.99%
Annual fee
None
Foreign fee
3%
Top-25 issuer≤619620–719Other
Carrying $3k for a year ≈ $929.70
Purchase APR
30.49–30.99%
Annual fee
None
Foreign fee
3%
Top-25 issuer≤619620–719Other
Carrying $3k for a year ≈ $929.70
Purchase APR
22.49–28.99%
Annual fee
None
Foreign fee
3%
Top-25 issuer≤619620–719Cashback
Carrying $3k for a year ≈ $779.70
Purchase APR
15.49–25.99%
Annual fee
None
Foreign fee
3%
0% purchases · 6 mo
Top-25 issuer≤619620–719
Carrying $3k for a year ≈ $599.70
Purchase APR
23.74–24.24%
Annual fee
—
Foreign fee
None
Top-25 issuer≤619620–719Cashback
Carrying $3k for a year ≈ $727.20
Purchase APR
23.74–24.24%
Annual fee
None
Foreign fee
None
Top-25 issuer≤619620–719
Carrying $3k for a year ≈ $727.20
Purchase APR
26.49–26.99%
Annual fee
None
Foreign fee
3%
Top-25 issuer≤619620–719Other
Carrying $3k for a year ≈ $809.70
Purchase APR
24.74–25.24%
Annual fee
$249
Foreign fee
None
Top-25 issuer≤619620–719Other
Carrying $3k for a year ≈ $1,006.20 incl. $249 fee
Purchase APR
24.74–25.24%
Annual fee
None
Foreign fee
None
Top-25 issuer≤619620–719Other
Carrying $3k for a year ≈ $757.20
Purchase APR
23.99–28.49%
Annual fee
None
Foreign fee
3%
0% transfers · 12 mo
Top-25 issuer≤619620–719Other
Carrying $3k for a year ≈ $847.20
Purchase APR
23.74–24.24%
Annual fee
$35
Foreign fee
None
Top-25 issuer≤619620–719Other
Carrying $3k for a year ≈ $762.20 incl. $35 fee
Purchase APR
24.74–25.24%
Annual fee
$39
Foreign fee
None
Top-25 issuer≤619620–719Other
Carrying $3k for a year ≈ $796.20 incl. $39 fee
Purchase APR
26.74–27.24%
Annual fee
None
Foreign fee
None
Top-25 issuer≤619620–719Other
Carrying $3k for a year ≈ $817.20
Purchase APR
30.49–30.99%
Annual fee
None
Foreign fee
3%
Top-25 issuer≤619620–719Other
Carrying $3k for a year ≈ $929.70
Purchase APR
27.99–28.49%
Annual fee
None
Foreign fee
3%
Top-25 issuer≤619620–719Other
Carrying $3k for a year ≈ $854.70
Purchase APR
32.49–32.99%
Annual fee
None
Foreign fee
3%
Top-25 issuer≤619620–719Other
Carrying $3k for a year ≈ $989.70
Purchase APR
26.49–30.49%
Annual fee
None
Foreign fee
3%
Top-25 issuer≤619620–719Other
Carrying $3k for a year ≈ $809.70
Purchase APR
23.74–24.24%
Annual fee
$85
Foreign fee
None
Top-25 issuer≤619620–719Other
Carrying $3k for a year ≈ $812.20 incl. $85 fee
Purchase APR
26.74–27.24%
Annual fee
$99
Foreign fee
None
Top-25 issuer≤619620–719Other
Carrying $3k for a year ≈ $916.20 incl. $99 fee
Purchase APR
26.74–27.24%
Annual fee
None
Foreign fee
None
Top-25 issuer≤619620–719Other
Carrying $3k for a year ≈ $817.20
Cardholder agreements
Filed with the CFPB in the 2026 Q1 bulk submission. Opens the original PDF.